Considering the current stresses on our national financial system, I wanted you to be aware that your bank, FSB&T, is in excellent shape. We have a long, strong history and have ridden the economical waves of the past 112 years in great shape. In fact, although many banks are tightening their belts right now, we have been taking advantage of our strength by investing in products and services to benefit you. One of those investments in this new website, which I hope you are enjoying. It has been designed with your convenience in mind. Our FIRSTimage Remote Deposit product is getting great reviews from those of you who are using it in your businesses. In addition, we are making internal investments that you won’t see directly, but will make us an even better place for you to bank.

As evidence of our exceptional strength, BauerFinancial, Inc. has awarded us their highest bank rating – 5 Stars. Included in their analysis of each United States bank are: The bank’s capital ratio; profitability/loss trend; the level of delinquent loans, chargeoffs, and repossessed assets; the market versus book value of the investment portfolio; regulatory supervisory agreements; the community reinvestment rating; historical data and liquidity. Much of this information comes from the bank’s financial numbers provided to federal regulators. Also taken into consideration are the bank’s history and consistency. First State Bank has been in business since 1896, boasting a long and strong history.

I am pleased to have our bank’s strength recognized in this way. We have built our reputation on the understanding that customer trust is paramount. That philosophy dictates our sound banking practices and decisions, because we know the safety and security of your money is important.

Please let me know if we can be of further service; you can reach me at the email address below.